Rates and terms listed below are effective: March 8, 2010 - March 21, 2010
| Type | Title | APY | Interest Rate | Minimum Deposit |
| CD Specials | 20 Month CD - Advantage | 1.35% | 1.34% | $2,000.00 |
| 20 Month CD - Regular | 1.30% | 1.29% | $2,000.00 |
| 20 Month CD - PassKey | 1.40% | 1.39% | $2,000.00 |
| 9 Month CD | 1.05% | 1.05% | $2,000.00 |
| Certificate of Deposit | 7 Day | 0.30% | 0.30% | $5,000.00 |
| 10 Day CD | 0.40% | 0.40% | $5,000.00 |
| 13 Day CD | 0.50% | 0.50% | $5,000.00 |
| 21 Day CD | 0.50% | 0.50% | $5,000.00 |
| 91 Day | 0.30% | 0.30% | $2,000.00 |
| 0.40% | 0.40% | $10,000.00 |
| 182 Day | 0.50% | 0.50% | $2,000.00 |
| 0.60% | 0.60% | $10,000.00 |
| One Year | 0.95% | 0.95% | $2,000.00 |
| 1.05% | 1.05% | $10,000.00 |
| Two Year | 1.15% | 1.14% | $2,000.00 |
| 1.25% | 1.24% | $10,000.00 |
| Three Year | 2.00% | 1.98% | $1,000.00 |
| Five Year | 3.00% | 2.96% | $1,000.00 |
| Five Year Smart CD | 2.75% | 2.72% | $100.00 |
| Individual Retirement Accounts | *Fixed Rates: Choose any 91 day to 5 Year CD rate | -- | -- | -- |
| Variable Rate | 1.00% | 1.00% | $50,000.00 |
| 0.95% | 0.95% | $15,000.00 |
| 0.75% | 0.75% | $10.00 |
| Money Market Accounts | Lakes Money Market Plus - With FSB Checking | 0.80% | 0.80% | $25,000.00 |
| 0.70% | 0.70% | $2,500.00 |
| 0.10% | 0.10% | $0.01 |
| Money Market Advantage | 0.70% | 0.70% | $75,000.00 |
| 0.60% | 0.60% | $25,000.00 |
| 0.40% | 0.40% | $2,500.00 |
| 0.10% | 0.10% | $0.01 |
| Savings | Health Savings Account (HSA) | 3.00% | 2.96% | $25,000.00 |
| 2.50% | 2.47% | $10,000.00 |
| 2.00% | 1.98% | $2,500.00 |
| 1.50% | 1.49% | $1,000.00 |
| 1.00% | 1.00% | $0.01 |
| Kids' Account | 0.20% | 0.20% | $0.50 |
| Passbook Savings | 0.20% | 0.20% | $5,000.00 |
| 0.15% | 0.15% | $2,500.00 |
| 0.15% | 0.15% | $100.00 |
| Statement Savings | 0.25% | 0.25% | $5,000.00 |
| 0.20% | 0.20% | $100.00 |
*Annual Percentage Yields for deposit instruments with no maturities or maturities
of less than one year assume reinvestment at original rate for one year. Interest
is earned and compounded monthly. Interest rates are subject to change without notice.
Regular fees or other conditions could reduce the yield. For details, review our
Truth in Savings Disclosures.
** Minimum deposit to open a Fixed Rate IRA is $500 for a 3 Year through 5 Year
term and $1,000 for any term under 3 Years.
A Substantial Penalty is imposed on premature withdrawals from certificates of deposits.
Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, and to get current rates, contact a Personal Banker for assistance at (603) 934-4445 or 1-800-FSB-4445.